James    Jul 20, 2015

It has been tough struggling to run a business which is not paying i have been trying to adjust my lifestyle to afford basic thing but life becomes harder. i am willing to clear this loan it helped my business to stand and i feel bad when i am unable to do that please lenders understand that its not my wish not to pay.i have great hope to clear all of it.

James    Mar 19, 2015

I have been struggling to remain in business and for some times i have been in arrears and i would like to update please push the arrears back and i shall try to keep paying the monthly installments

• G

  guenter    Apr 4, 2015

  Dear James,
  thank you for your message! It looks like you are back on track now, congratulations!

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James    Jul 23, 2014

Thanks Evinpa and Josephine for words of encouragement I have taken your wards of encouragement. I have taken action and rescheduled my loan and thanks to Julia on the issue of write offs. it gives hope that one day thing will be normal and i shall be able to repay the loan as i had been doing previously. I promise to keep my payments as scheduled from now .
Goodluck.

James    Jul 23, 2014

My business has been having challenges for the past year. but i have manged to stabilize now and i am ready to continue with my repayments please understand.Lenders and zidisha team please understand that things in our country has become tough, the cost of living has made business make losses and, I on my side i have been trying my best but if you can get what we are going through its tough

Josephine    May 15, 2014

Hi James,
Greetings, you are my mentor at a certain stage, i loved your way of doing things.You can pick up the pieces and start again i will be happy to see you up not down.Challenges are there for us to make us strong otherwise then we have no purpose to live.
My story. i Never knew that i will ever be late to pay zidisha but i remember calling you and you encouraged me so I do the same to you.That one pray and believe that once you get out God will give you something to pay zidisha.Let me assure you that with faith you will get .
you will one day remember this that i have written to you today.
GBU

evinpa    Mar 28, 2014

Hello James Mwangi,

I thought you might like to know that Julia, the founder and director of Zidisha, has written on the Zidisha forum about the write-off policy.

She wrote: "We have not given up on these loans, and when they are repaid the funds will be returned to lenders just as with other loans. Borrowers who repay written off loans will be allowed to raise new ones in amounts equal to the largest loan they have previously repaid on time, just as other borrowers may do."

Here is the link to the forum thread:
zidisha.org/forum/threads/a...

So even though it might take you awhile, if you repay in full you will be able to borrow again in the future.

I hope this information brings you some peace.

Evinpa

James    Mar 22, 2014

Dear Lenders.
Please i am asking for patience,things are very tough on my side.i have tried all my best my business is unable to clear the loan.the cost of living is too high and the business is not doing well whatever i am getting is enough for food only.I would like to repay the money you lend me and borrow more please beg you.I am not able to resschedule my loan because i have exhousted the two round allowed, but please understand tha i am honest and i keep my wards

Regards
Mwangi.

• evinpa    Mar 22, 2014

  Hello James Mwangi,
  
  I am a lender, although I was not a participant in your loan.
  
  Even though your loan has been changed to written off status you can still repay and make things right.
  
  Although this might not be helpful to you now, Zidisha eliminated the limit on rescheduling. So borrowers can reschedule more than twice. But I'm not sure what happens with your situation.
  
  Best wishes to you,
  
  Evinpa

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mewesten    Jan 28, 2014

James?

• James    Feb 8, 2014

  Hi,
  Mawestern, I am only allowed to reschedule twice and i have done it,please understand its challenges i a facing and i haven't given up i shall resume payments when things improves here.good day

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  • mewesten    Feb 8, 2014

    James, I really appreciate your note.
    If you haven't given up, neither will I.
    
    My lending has been forced to near standstill by non-repayment of loans. I'm happy to know that yours will not be among them.
    I wish you well with overcoming your challenges. marvin

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mewesten    Jan 17, 2014

James, it looks like it's time to reschedule once again.

Your last payment was four months ago.

Kjartan    Jan 16, 2014

Hi James,

Happy new year and I hope all is well with you and your business!

• James    Jan 17, 2014

  Hi Kjartan
  I am fine,how're you happy new year too.the business is fine even though its still down.january is a hard month doing business.but we are holding on and hope to overcome it,good luck.

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James    Dec 11, 2013

Dear lenders,
I am sorry for being late on my repayments. I am having some challenges but i am trying my best to overcome them, the business has been low unlike other seasons this time and my vehicle has been having mechanical problems I think age is catching up but i am looking for ways to either sell it and buy another one or if i can get. for my business to continue running successfully.please be patient with me i am sure i shall be able to pay all the money you lent me, in other news we as a country we are celebrating 50 yrs of independence on 12th December and i am wishing you happy holidays.
thanks all and enjoy your holidays.
James mwangi.

• Taata    Dec 11, 2013

  Hello James,
  thank you for keeping us up to date. I guess we all can wait a little bit longer. I hope your business is better in the future and I do believe you will pay the loan in the end. Happy Holidays to you, too!

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• mewesten    Dec 11, 2013

  Hi James -- your update is appreciated!
  Sorry to hear about all the challenges you are facing of late, but I am confident that these will pass. I believe that you are a man of your word and that you will repay the loan when you are able.
  I suggest that you formally reschedule your loan rather than incur late payments.
  Happy Jamhuri Day!
  Marvin

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James    Nov 22, 2013

Dear lenders,
I might be late in my monthly repayment please accept my humble request. Its only that the business has been very low this month,and i had some personal challanges i had to handle. i promise to pay by next week by 30th nov. Happy
Holidays .
regards james.

Ben99    Nov 8, 2013

Hello James,

I can see that you are the volunteer mentor for Simon Kimani, as well as a number of other borrowers. I am one of the lenders to Simon, and would very much appreciate if you could contact him and ask him to provide an update to his lenders on his current situation. He has not made any repayment on his loan, nor has he replied to any of the messages from his lenders. I hope he is OK, but there has been no information at all from him.

Many thanks for your help on this, I can see that you are working hard to support many people through Zidisha.

Hope2012    Nov 5, 2013

Hello Mr Mwangi do you have any information on beatrice1 kahindi? Thanks

Brian    Sep 20, 2013

James, you are listed as the volunteer mentor for Isaac Kabui. Do you have any information about him? He is 8 months behind in his loan payments.

James    Sep 20, 2013

Dear Lenders,
Thanks again for the opportunity to interact and your support I am still in business and its not doing bad only the normal challenges which i have tried my best to solve.
I had some challenges my vehicle had some mechanical problems i had to fix,and in the process i hired another to use during that period where i exhausted my savings please give me one month and i shall continue with the payment on time.I am hoping it shall be fixed properly as it still has problems i think its aging and i have to repair it thoroughly for it to give me another year of service
James mwangi

• mewesten    Sep 20, 2013

  Dear James,
  I understand that you have exhausted your savings on hiring a replacement vehicle until you get repairs. That kind of problem is difficult to avoid. I have seen it many times here in this country and in my family. In many ways we are not so different.
  
  I hope you are up and running soon.
  Marvin

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Elinor    Sep 16, 2013

Hello James

I really appreciate you being a volunteer mentor. I am worried about Susan Kariuki -- I know that she was ill and there hasn't been a repayment for almost ten months. I hope everything is okay with her.

• James    Sep 20, 2013

  I had a chat with Susan kariuki and she said she is well only that she has not fully recovered to manage her business as she used to be she is planning to continue with her payment after the harvest in her farm.

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• James    Sep 20, 2013

  I had a chat with Susan kariuki and she said she is well only that she has not fully recovered to manage her business as she used to be she is planning to continue with her payment after the harvest in her farm.

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  • Elinor    Oct 15, 2013

    thank you very much for checking in with her!

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russell    Aug 23, 2013

Hi james I see you are a mentor for Edmond Muhumbwa who has paid nothing back in 8 months and is not posting anything to explain why.Could you find out what is his excuse as he cannot be bothered to communicate himself.

James    Aug 20, 2013

Dear lenders,
I was supposed to make my Monthly installment today but there was a technical problem with my bank account i couldn't make the payment today but i shall make it by tomorrow. i am very careful with the payments and i felt very bad to find my self in such a position please understand and i shall make sure i am able to pay earlier next time to avoid such problems.
good luck
James Mwangi

• mewesten    Aug 20, 2013

  I understand and will look for the payment soon. Thank you for letting us know about the problem. It is good to hear from you.
  Sincerely, Marvin

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Naroa    Jul 5, 2013

Hi,

I’m Naroa Zurutuza, Zidisha’s Client Relationship Manager in Kenya currently visiting clients all over the country.

The other I visited Ongata Rongai, a fast developing residential urban aggregation in the outskirts of Nairobi with a current population of more than 100,000. The city is situated 17 km south of Nairobi.

There, I had the pleasure to meet James Mwangi. Mr. Mwangi runs a taxi transportation business in Ongata Rongai. He started the business around one year ago, when after working selling car, vehicle and mechanical pieces, he saved enough money to purchase a taxi.

He has been member of Zidisha for around two years and thanks to the same, he has been able to start his business. In the future, he would like to keep expanding the business by purchasing more cars and being the manager of this taxi transporting service.

Apart from that, he has also done a great job by introducing Zidisha to other members of his community.

Naroa Zurutuza

• beverly    Jul 7, 2013

  Thanks for the update, Naroa!

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